Report by Alloy

2026 State of Fraud Report

11 FINDINGSPublished Dec 9, 2025
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Key Findings

92% of decision-makers in the financial services industry reported that their organization's fraud prevention efforts have helped them grow the business.

Alloy2026 State of Fraud Report·Dec 9, 2025
Fraud PreventionBusiness GrowthFinancial Services

63% of senior-level fraud decision-makers in the financial services industry indicated that fraud losses are underreported.

Alloy2026 State of Fraud Report·Dec 9, 2025
FraudFraud LossFinancial Services

27% of organizations in the financial services industry spend greater than 15% of their annual budget on fraud prevention.

Alloy2026 State of Fraud Report·Dec 9, 2025
Fraud PreventionFinancial ServicesBudgetInvestment

82% of organizations in the financial services industry stated they have increased their investment in AI-driven fraud prevention technologies.

Alloy2026 State of Fraud Report·Dec 9, 2025
Fraud PreventionAI TechnologyFinancial Services

84% of decision-makers in the financial services industry reported that fraud prevention has resulted in higher rates of customer satisfaction.

Alloy2026 State of Fraud Report·Dec 9, 2025
Fraud PreventionCustomer SatisfactionFinancial Services

22% of financial services industry organizations reported losing over $5 million in direct fraud losses in the past year.

Alloy2026 State of Fraud Report·Dec 9, 2025
FraudFraud LossFinancial Services

36% of fraud events in the financial services industry were attributed to organized fraud rings, while 29% were attributed to customers intentionally stealing money.

Alloy2026 State of Fraud Report·Dec 9, 2025
FraudOrganized CrimeFinancial Services

Fraud in mobile banking rose by 7% year over year, while fraud in online banking dropped by 16%.

Alloy2026 State of Fraud Report·Dec 9, 2025
FraudMobile BankingOnline BankingFinancial Services

67% of senior-level fraud decision-makers in the financial services industry in the U.S. reported that fraud events continue to rise.

Alloy2026 State of Fraud Report·Dec 9, 2025
FraudFinancial Services

91% of decision-makers in the financial services industry reported that more financial crimes are being committed with AI technology.

Alloy2026 State of Fraud Report·Dec 9, 2025
FraudAI TechnologyFinancial Services

44% of organizations in the financial services industry ranked synthetic identity fraud as the top fraud type tracked.

Alloy2026 State of Fraud Report·Dec 9, 2025
FraudSynthetic Identity FraudFinancial Services